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Best Buy Insurance Inc., 1 Rossland Road W, Ajax, ON (2026)

06/01/2026

👨‍👩‍👧 ONTARIO FAMILIES SHOULD PAY CLOSE ATTENTION TO THESE CHANGES 👨‍👩‍👧

Starting July 1, 2026, some Accident Benefits under Ontario auto insurance policies may no longer be included automatically.

This is especially important for families who rely on income protection or caregiver support after an injury.

Insurance providers have noted that some benefits related to caregiving, housekeeping, and dependent support may become optional selections under the new reforms.

Every family’s needs are different, which is why reviewing your policy before renewal is important.

Best Buy Insurance can walk you through the upcoming changes and help you understand what coverage may be appropriate for your household.

05/29/2026

⚠️ YOUR AUTO INSURANCE POLICY MAY LOOK DIFFERENT AFTER JULY 1, 2026 ⚠️

Ontario’s upcoming auto insurance reforms are designed to give drivers more flexibility and more control over their coverage choices.

However, more choice also means more responsibility to understand what protections are included — and which ones may now be optional.

According to industry updates from Ontario insurers, some optional benefits may include:
• Income replacement coverage
• Caregiver benefits
• Housekeeping coverage
• Damage to personal belongings in a collision

These coverages can play an important role after a serious accident. Before making changes to your policy or declining optional coverage, speak with Best Buy Insurance to ensure you fully understand your options.

05/27/2026

Umbrella Liability Insurance: Extra Protection for Families

Accidents happen, and sometimes the financial consequences can extend well beyond the limits of a standard home, condo or auto insurance policy. For Ontario families seeking greater peace of mind, umbrella liability insurance provides an extra layer of protection when you need it most.

Umbrella liability insurance steps in when the liability limits on your primary policies have been exhausted. For example, if someone is injured on your property and the claim exceeds the liability limits of your home or condo policy, an umbrella policy can help cover the difference, protecting your savings, investments and future earnings.

This extra coverage can also apply to incidents involving vehicles, watercraft or recreational equipment, depending on how your policies are structured.

Because life’s risks aren’t limited to one area, umbrella liability offers broad protection for a variety of scenarios that might otherwise leave you financially exposed. It’s particularly valuable for families with significant assets, frequent visitors, or active lifestyles that include travel, hosting large gatherings or owning recreational toys.

Adding umbrella liability insurance through Best Buy Insurance can round out your existing coverage with affordable peace of mind. A quick review can help determine whether your current liability limits are sufficient or if umbrella coverage would provide valuable extra security for your family.

05/25/2026

🚗 IMPORTANT ONTARIO AUTO INSURANCE CHANGES BEGIN JULY 1, 2026 🚗

Ontario drivers will soon see major changes to Accident Benefits coverage under auto insurance policies. The Ontario government is updating auto insurance to provide more flexibility for consumers.

Updates shared by insurers such as Aviva, CAA, Wawanesa and Economical Insurance, cite that some benefits that are currently included automatically with your policy may become OPTIONAL after July 1, 2026.

These benefits can help provide financial support after an accident for things like:

✔ Lost income
✔ Caregiver expenses
✔ Housekeeping assistance
✔ Visitor expenses
✔ Death & funeral benefits

This means your future policy choices could directly affect the coverage available to you and your family after a serious collision.

Before your next renewal, contact Best Buy Insurance to better understand how these upcoming changes may impact your protection and what options may be right for your situation.

05/21/2026

Travel Medical Insurance for Early Summer Trips

Summer is just around the corner, and many Ontarians are planning holidays, road trips or even international escapes. While travel is exciting, unexpected health emergencies abroad can be costly—so ensuring you have the right travel medical insurance in place is essential before you go.

Travel insurance from Best Buy Insurance provides protection for emergency medical expenses if you fall ill or are injured while travelling, whether you’re crossing the border or exploring closer to home. Because provincial health plans don’t always cover treatment outside of your home province or overseas, travel medical coverage helps ensure you aren’t stuck with large bills if medical care is needed during your trip.

Travel medical insurance is available as part of a comprehensive travel policy or as a medical-only plan, which focuses specifically on health-related costs and emergency evacuation. This type of coverage can include hospital stays, doctor visits, prescriptions and even medical repatriation if required.

Whether it’s a weekend getaway, family vacation, or longer adventure, planning ahead can give you peace of mind. Early summer is a perfect time to review your travel plans and consider coverage that reflects your destination, trip length and health needs.

A Best Buy Insurance broker can help you compare options and choose a travel medical plan that fits your summer itinerary and budget.

05/14/2026

Landlord Insurance vs. Tenant Insurance — Why Both Matter

Whether you own a rental property or are renting your home, having the right insurance in place is essential for protecting your financial well-being. While both landlord and tenant insurance provide coverage, they serve very different purposes and protect different interests.

Landlord insurance is designed for property owners who rent out a home, condo or other dwelling. This type of policy typically covers the physical structure, detached buildings, and liability related to the rental property.

It can also include protection for rental income loss if a covered event makes the home uninhabitable. Because rental properties are exposed to different risks than owner-occupied homes—such as damage from tenants, higher traffic, or extended vacancy—standard home insurance may not be enough.

Landlord insurance fills that gap by addressing risks unique to rental operations.
On the other hand, tenant insurance (also called renter’s insurance) protects renters’ personal belongings inside the home, condo or apartment. It also includes personal liability coverage if a guest is injured or if the tenant accidentally damages someone else’s property.

Both types of insurance matter: landlord coverage protects the building and investment, while tenant coverage protects personal possessions and liability. A quick conversation with an insurance broker can help both owners and renters choose the right options for their situation.

05/07/2026

Contractors & Liability Insurance Before Outdoor Projects Begin

With spring in full swing, many homeowners and condo owners are preparing for outdoor projects such as deck builds, landscaping upgrades, fence installation, or exterior renovations. Before work begins, it’s important to understand how liability insurance fits into your plans.

Home and condo insurance policies typically include personal liability coverage, which helps protect you if someone is injured on your property or if you accidentally cause damage to another person’s property. However, when contractors are involved, responsibility can shift. Most reputable contractors carry their own commercial liability insurance, designed to cover injuries or property damage arising from their work.

Before any project starts, ask to see your contractor’s insurance certificate and confirm their coverage is current and appropriate for the job. This step helps protect you from unexpected financial exposure if an accident occurs.

It’s also wise to notify your insurance broker before major exterior work begins. Some improvements—especially those that increase your home’s value or change its structure—may require policy updates.

A quick review with a Best Buy Insurance broker can help ensure you’re properly protected before your outdoor project gets underway.

04/30/2026

Renovating This Spring? When to Notify Your Insurance Broker

Spring is a popular time for home and condo renovations, whether you’re updating a kitchen, finishing a basement, or adding new features to improve comfort and value. While planning colours, layouts and contractors, it’s easy to overlook your insurance—but speaking with your broker at the right time can make all the difference.

Renovations can change the value and risk profile of your property. Many standard homeowner and condo insurance policies are designed to cover your home as it currently stands. Major changes—such as removing walls, adding square footage, upgrading electrical or plumbing, or installing high-end finishes—can affect your coverage needs and may require adjustments to ensure you remain adequately protected.

You should notify your insurance broker before work begins if you’re:
- Increasing the value of your home significantly
- Adding new rooms or expanding existing spaces
- Making structural changes
- Installing expensive fixtures, appliances or built-in systems

Notifying your broker early means your policy can be reviewed and updated if necessary, helping avoid coverage gaps or declined claims later on. It also allows your broker to advise on additional coverage options—such as increased dwelling limits or endorsements that account for the higher rebuild cost.

A quick conversation with your broker before your renovation starts helps ensure peace of mind throughout the process and beyond.

04/23/2026

Mortgage Insurance vs. Life Insurance: What Homeowners Should Know

Buying a home is one of the most significant financial commitments people make. Along with a mortgage, homeowners often consider additional coverage options to protect their family and investment. Two common choices are mortgage insurance and life insurance, and while they both provide financial protection, they serve different purposes.

Mortgage insurance (also known as lender-required insurance) is typically offered through your mortgage provider and is designed to pay off the remaining balance of your mortgage if you pass away. It’s directly tied to your loan amount and generally decreases over time as your mortgage is paid down. While this can provide peace of mind, it may not offer flexibility beyond your mortgage.

Life insurance provides a broader level of financial protection. A life insurance policy pays a tax-free benefit to beneficiaries, who can use the funds however they choose—whether that’s paying off a mortgage, covering daily expenses, funding education costs, or addressing other financial needs. Unlike mortgage insurance, many life insurance policies remain in force for the long term and can be tailored to fit your unique goals.

Understanding these differences can help ensure you choose the right coverage for your family’s needs. A Best Buy Insurance broker can walk you through your options and help identify the solution that aligns with your financial priorities and long-term planning.

04/16/2026

Spring Storm Preparedness: Are You Covered for Wind & Hail?

Spring in Ontario brings warmer weather and more frequent storms. While we often welcome the rain, stronger winds and hail can cause significant damage to homes, condos, vehicles and outdoor structures. As severe weather becomes more common, being prepared and understanding your insurance coverage is essential.

Standard home and condo insurance policies typically include protection against wind and hail damage to roofs, siding, windows and attached structures. However, coverage can vary depending on your policy details and deductible levels. Spring storms can also lead to flying debris, broken skylights or damage to outdoor equipment, so it’s important to know exactly what your insurance will cover before severe weather hits.

If you live in a condo, your corporation’s master policy generally insures common areas and building structure, but your personal condo policy is responsible for your unit’s contents, upgrades and personal liability. Knowing where one policy ends and another begins helps avoid gaps in coverage after a storm.

Preparing ahead of time also includes regular seasonal maintenance—such as trimming trees and securing loose objects—to reduce your risk of wind or hail damage.

Taking a few moments to review your policy and confirm wind and hail coverage with a Best Buy Insurance broker can provide peace of mind as storm season approaches.

Best Buy Insurance Inc.

06/01/2026

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Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm